$20
First-year value
20,000
PC Optimum points
$0
Annual fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of PC Optimum points at 0.1 cents per point.
20,000 PC Optimum points when you spend $50 or more at participating stores within 60 days of account approval
Offer ends December 31, 2026
Shoppers Drug Mart
Groceries, Loblaw Groceries & Esso & Mobil
Everything Else
Last updated: February 13, 2026
The PC Financial World Elite Mastercard is a fine choice for people who frequently shop at Loblaw's brands, but otherwise has limited appeal.
The card currently has a welcome bonus of 20,000 PC Optimum points upon making their first purchase at a store that participates in the PC Optimum program.
Occasionally, new applicants can earn a welcome bonus of 20,000 PC Optimum points upon making their first purchase at a store that participates in the PC Optimum program. If you're interested in the card, consider waiting for this offer to make an appearance before applying.
The card has an annual fee of $120, which is waived in the first year.
The card has category bonuses for shopping at specific stores:
PC Optimum points have a value of 0.1 cents per point, with occasional 50% bonus redemption events. Points can be redeemed at PC Optimum's partner grocery stores and drugstores.
Last updated: February 13, 2026
The PC Financial World Elite Mastercard has no meaningful perks or benefits to speak of.
The card has a modest insurance package, including emergency medical insurance for trips up to 10 days, and standard extended warranty and purchase protection.
It also includes rental car collision insurance for cars up to an MSRP of $65,000.
However, it doesn't offer the specific provisions that are important to travellers, and the coverage it does provide can also be found on many other cards.
